J. Worthington Direct Finance they coned me out of $405 for a $4000 loan they said I was approved for, I even signed a contract they faxed me St. Andrew, Other

It's now December 5, 2012 and I have received no money and no one has called me back. I don't think they're giving me my money back.

I started my loan process last week from a phone call from Rachel Adams stating that I was fully approved for my loan. 5 Year loan- 10% interest rate. I've been in regular contact with a woman named Rachel Adams who seemingly is a nice girl. I applied for a $15K loan, but because of my credit I was required to secure the loan with 3 months of payments, totally $956.13. I secured my loan yesterday December 3, 2012 and was advised that my loan would be in the "4:00 pm batch". I signed the legal documentation and sent my ID and proof of income to fax #:877-770-7068. I was advised to wire the money to Brian Smith, because he is with the US Embassy and the only person who is able to receive the phones. There was no deposit, so I called and spoke with Christine Stevens who advised me that I missed the 4:00pm deadline and that my loan will be released with the "6:00 pm" batch and I that at the very latest the funds will be deposited over night and I will have the funds by Noon today. I didn't receive the money at noon and called repeatedly, spoke with Rachel Adams...she placed me on hold, but did not come back, so I hung up. I called at least 20 different times with 3 different numbers and have sent more than 5 or 6 emails.

Finally, a manager named Brian Stewart stating all is well with my loan and that I will receive my loan on Thursday and that he will call me Thursday morning, and the latest I will receive it is Friday. I'm hoping that I'm not a victim of a scam and that this money does come through. Here are the three numbers I dialed for my loan: 877-325-7918- general number; 876-279-3786- Rachel Adams; and 876-279-1901- Christine Stewart. I will update this response if I receive my money. Brian Stewart explained that I should communicate only with him at this time. He apologized for making me nervous and he gave me his personal number: 876-578-6180. If I do not receive my money by Friday, I will be requesting my "security deposit" back. Prayerfully, it won't come to that, because I desperately need that money, of course, if I didn't I wouldn't be willing to sacrifice my last dime to get it. I emailed Rachel Adams at: jworthington_RachelAdams@yahoo.com and I emailed the general inbox at jworthington@financier.com.